Returned Checks Letter - First Bank of Beverly Hills, Calabasas, CA

On April 24, 2009 (the "Closing Date"), the the California Department
of Financial Institutions closed First Bank of Beverly Hills, Calabasas,
CA (the "Failed
Institution"). Subsequently, the Federal Deposit Insurance Corporation
(the "FDIC") was appointed as Receiver to handle all matters relating
to the Failed Institution.

Because there was not an acquiring financial institution to purchase the
deposits, any outstanding checks are being returned "Institution Closed".
This situation was the result of the bank failure and is not a reflection
on the depositors of the bank. Since the depositor of the Failed Institution was not aware of the potential
receivership, they believed their checks would clear in the normal course
of business. Therefore, we ask that you consider waiving any returned check
charges and penalties due to these special circumstances.

Your cooperation and understanding are greatly appreciated. If you have
any questions, please contact the FDIC at 1-800-523-8089.